Husband and Wife Two Man PPO Health Insurance in Texas is back


Are you fed up with the Obamacare HMO Plan that you had to choose this year?
Tired of not having the Doctors that you want to see in your network? Do you want your PPO PLAN BACK. AS OF JANUARY 2017 THE STATE OF TEXAS HAS BROUGHT BACK HUSBAND AND WIFE TWO MAN GROUPS.CALL 512-963-5000 FOR RATES TODAY.
These are true group health plans just like you get when you go to work for a company…and you have to have a company registered as a LLC..Inc..ect..and a partner to qualify for a 2 man group…it can be husband and wife….and rates average $500 and up per person…depending on age..had a group come in at $300 per person…they were 29 and 33…..there is no set rates for group plans…..what I need to run rates is name of the LLC that you and your spouse are listed on with address and phone number and the birthdays of everyone you want on the plan.If you would like more info email me at
or call 512-963-5000

Well as of JANUARY 2017 THE STATE OF TEXAS HAS BROUGHT BACK HUSBAND AND WIFE TWO MAN GROUP’S. This means I now can again write husband and wife group health insurance if they have a business and are listed as owners on the LLC. If you are not getting a subsidy and paying full price for your Obamacare HMO plan you can now take back your Heath Insurance and not let the government pick your Doctor’s. Call today 512-963-5000 or email me at STIBROKER1@GMAIL.COM for your custom quotes emailed to you. I have been a Health Insurance Broker for 23 years and I leave no stone upturned we it comes to my clients health insurance needs. That’s right  Texas HAS made all the health insurance company’s that are pulling out of the ACA or as it has been called OBAMACARE to bring back Husband and Wife two man groups.Are you sick of not having a PPO to choose from? Well now Texas has reinstated the Husband and Wife two man groups. That’s right you can get the same Health Insurance plans that the big company’s offer. And to top it off the rates are the same as your crappy Obamacare Plan. Call today 512-963-5000 to get your custom quotes emailed to you and you can have a plan with all the doctors you want in your network.

Guaranteed Issuance and Renewability for Mom and Pop Groups (expanded December 1, 2016)

Federal law does not consider a family-run business consisting of a husband and wife to be a small group health plan unless the business employs at least one common law employee who is neither spouse.  Based on federal guidance, may a small group carrier refuse to issue new coverage or non-renew existing coverage for a small group that does not meet this federal definition?

No. Under Texas law, a small group carrier must issue coverage, consistent with TIC §1501.151, to a small employer with two or more employees, even if the employees are married to one another. A small group carrier may not non-renew coverage for an existing small group because the state and federal definitions of small group differ. In addition, TIC §1501.108 gives a covered employer the right to renew its group health coverage unless the employer fails to comply with the terms of the plan.

Federal law (42 US Code 300gg-91(e)(1)(B)) allows a state to elect to regulate coverage offered to very small groups as coverage in the small group market, and Texas considers a group of two eligible employees to be a small group, regardless of marital status. The Texas Insurance Code does not exclude spouses from the definition of “eligible employee” or exclude such employees in defining “small employer,” and consistent with this 28 TAC §26.7(d), prohibits a small group carrier from denying two individuals who are married the status of eligible employee solely on the basis that the two individuals are married. Commissioner’s Bulletin # B-0035-01 provides additional guidance regarding this requirement.



You will find many affordable Trumpcare Health Insurance plans for individuals, families and the self-employed in the market place. Many are available online at It is not hard to find Trumpcare Health Insurance that meet your needs and budget as long as you know where to look and how to effectively shop for good coverage. All the Trumpcare Health Insurance companies in Texas offer low cost, affordable Trumpcare Health Insurance plans to cover the most basic needs as well as catastrophic coverage. You can find affordable Texas Trumpcare Health Insurance plans from Aetna, Blue Cross Blue Shield, Cigna, Humana, United Healthcare and more. Here are just a few to consider.

Here is the paperwork BCBS requires to enroll a new group.

  1. Small Employer Benefit Program Application (BPA)

  2. Employee applications

  3. Signed BCBS quote

  4. Proof of wages (TWC report or other payroll documents)

  5. Texas Supplemental Employee Verification form – needs to list out any employees who are not on the TWC report.

  6. Proof of business – required only in TWC is not available

  7. Employer Group Information form

  8. EFT form or physical check for 1st month’s premium.


Small Group (1-50): TDI Updates FAQ on “Mom and

Pop” Businesses

On Dec. 1, 2016, the Texas Department of Insurance (TDI) issued and expanded its

Frequently Asked Questions (FAQs) related to “Mom and Pop” groups.

Under the FAQs, TDI specifies that issuers cannot refuse to accept or non-renew

businesses comprised solely of two employees who are married to each other, for small

group (1-50) coverage.

Documentation Requirements

Paperwork submission requirements have not changed. Please continue to submit the

Employer Group Information (EGI) form and other required documents. We request that

producers with businesses applying for new coverage on or after Dec. 1, 2016, who are

impacted by this FAQ (i.e., businesses comprised solely of two employees who are

married to each other), include a note with the case submission indicating that the

applicants are married to each other.

For additional questions, please contact your Blue Cross and Blue Shield of Texas

Sales Representative.


New eligibility rules for ‘family member’ small-group medical accounts require operational changes

Humana recently announced we’ll no longer accept small medical groups IF all the enrolling subscribers of a wholly owned business consist of the business owner and/or the business owner’s spouse (opposite or same sex). Based on federal guidance these groups are not considered valid groups for the purpose of health insurance, and should be referred to the individual market for coverage options. The one exception to this policy is the State of Texas, where we will write small group medical coverage to a husband and wife group where both of the spouses are employees (subject to receiving legal documentation to verify employee status). This change aligns with the policy for other carriers in the industry and is effective immediately.

Effective Dec. 1, 2016, Underwriting and Group Maintenance will require the Small Employer Attestation for Group Medical Coverage on groups of five or fewer enrolled subscribers. If you don’t submit the attestation with the new case enrollment material or medical plan add, we’ll request the attestation as “missing information.” If we still do not receive the attestation after 48 hours, we will withdraw the new case or medical plan add. This requirement affects group commercial medical only and does not apply to dental, vision or ancillary products.

Help us comply with federal small group medical eligibility rules. We created the form to avoid a wage and tax requirement for groups applying for medical coverage. Underwriting reserves the right to request Wage and Tax Statements (Form W-2) or a Schedule K-1 (Form 1065). A wage and tax does not take the place of the Small Employer Attestation for Group Medical Coverage form.

You’ll find the Small Employer Attestation for Group Medical Coverage on the Agent portal under Marketing Materials.

Please contact your Sales Executive if you have any questions regarding this change.

Comments are closed.